Micro-credit scheme
Microcredit is seen as a way of supporting rural livelihoods through diversification of activities and revenue available to communities. The rotative micro-credit scheme developed around Kahuzi Biega NP is a response to local requests after solving the conflict between managers and communities. It has been implemented through four steps: community awareness, identification of beneficiaries based on criteria developed with the CCC, training of beneficiaries in management and micro credit management and monitoring. The seed capital is given to individuals within a group of 10 people including men and women and the reimbursement is done monthly without interest. To ensure mutual responsibility, the group meets once a month to discuss business management and identify individual constraints. These constraints are reported back to the credit management team that includes CCC representatives, protected area representatives and conservation NGOs representatives. The management teams meet at least once a quarter with all beneficiaries to assess progress and issues that have arisen and develop with beneficiaries possible solutions.
Availability of funds and supporting staff for monitoring and training, potential for individuals to improve their livelihoods.
To get a micro-credit scheme to work, there is need of dedicated staff, regular monitoring and feedback from beneficiaries and capacity building at local level.